U.S. Bank Business Edge Cash Rewards World Elite™ Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 24.99% (Variable) (0% for the first 15 months)
Balance Transfer
13.99% ‐ 24.99% (Variable) (0% for the first 15 months)
Rewards
1 - 3% cashback
Signup Bonus
$500 after spending $4,500


7.9/10
Informr score
The U.S. Bank Business Edge Cash Rewards World Elite™ Mastercard® currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?


U.S. Bank Business Edge Cash Rewards World Elite™ Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

Business owners will appreciate the generous earning scheme of this no-annual-fee World Elite credit card, as well as the simplicity of earning and redeeming cash back.

- Andy Shuman, CreditCards.com
Finder

An excellent card, offering several features business owners love. Most notable is the unlimited cash back on eligible gas, cellular and office supply purchases, which are common business categories. And the 25% annual cashback bonus is a lucrative sweetener.

- Finder
CardRatings.com

This is a great card for a business owner looking for a cash rewards card with no annual fee, no cap on your rewards that never expire, and the ability to earn cash to put back into your business.

- Brooklyn Lowery, CardRatings.com
Money Crashers

Likely won’t win awards for its generosity or innovativeness in its current form. It’s a classic business cash back card with a relatively straightforward rewards program and a solid lineup of business benefits, including the discount-rich MasterCard Easy Savings Network. For many business owners, i...

- Brian Martucci, Money Crashers
Bankrate

Business owners who spend big on mobile phone service, gas and office supplies can save big with unlimited 3% cash-back rewards on the U.S. Bank Business Edge Cash Rewards World Elite MasterCard. This is the only card we know of that offers high category rewards without a spending cap.

- Robin Saks Frankel, Bankrate

Details


Interest Rates
Regular APR Interest Rate 13.99% ‐ 24.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.99% ‐ 24.99% (Variable) (0% for the first 15 months)

- Intro rate applies on balances transferred within the first 30 days of account opening.
- This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.


3%

Of each transaction in foreign currencies.

Over Limit Fee $39.00

Maximum

Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $500 after spending $4,500

On purchases within the first 150 days.

Rewards
All Purchases 1% cash back
Restaurants No
Gas 3% cash back
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 3% cash back on all eligible cellular and office supply store purchases.
  • Receive a 25% annual bonus based on your prior year’s Cash Rewards up to $250.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Critic Reviews


CreditCards.com

A business credit card with a high earning rewards program

from CreditCards.com

Business owners will appreciate the generous earning scheme of this no-annual-fee World Elite credit card, as well as the simplicity of earning and redeeming cash back.

Read full review

Business owners will appreciate the generous earning scheme of this no-annual-fee World Elite credit card, as well as the simplicity of earning and redeeming cash back.

Read full review

Less

Finder

An excellent card with a slew of benefits

An excellent card, offering several features business owners love. Most notable is the unlimited cash back on eligible gas, cellular and office supply purchases, which are common business categories. And the 25% annual cashback bonus is a lucrative sweetener.

Read full review

An excellent card, offering several features business owners love. Most notable is the unlimited cash back on eligible gas, cellular and office supply purchases, which are common business categories. And the 25% annual cashback bonus is a lucrative sweetener.

Read full review

Less

CardRatings.com

Everyday business needs can earn you 3 % cash back

from CardRatings.com

This is a great card for a business owner looking for a cash rewards card with no annual fee, no cap on your rewards that never expire, and the ability to earn cash to put back into your business.

Read full review

This is a great card for a business owner looking for a cash rewards card with no annual fee, no cap on your rewards that never expire, and the ability to earn cash to put back into your business.

Read full review

Less

Money Crashers

Ideal for light to moderate spenders

from Money Crashers

Likely won’t win awards for its generosity or innovativeness in its current form. It’s a classic business cash back card with a relatively straightforward rewards program and a solid lineup of business benefits, including the discount-rich MasterCard Easy Savings Network. For many business owners, it’s all the credit card they need.

Read full review

Likely won’t win awards for its generosity or innovativeness in its current form. It’s a classic business cash back card with a relatively straightforward rewards program and a solid lineup of business benefits, including the discount-rich MasterCard Easy Savings Network. For many business owners, it’s all the credit card they need.

Read full review

Less

Bankrate

There’s a lot to like about this card

from Bankrate

Business owners who spend big on mobile phone service, gas and office supplies can save big with unlimited 3% cash-back rewards on the U.S. Bank Business Edge Cash Rewards World Elite MasterCard. This is the only card we know of that offers high category rewards without a spending cap.

Read full review

Business owners who spend big on mobile phone service, gas and office supplies can save big with unlimited 3% cash-back rewards on the U.S. Bank Business Edge Cash Rewards World Elite MasterCard. This is the only card we know of that offers high category rewards without a spending cap.

Read full review

Less

Credit Cards Explained

Provides the flexibility of earning cash back on every purchase

from Credit Cards Explained

As a business owner, you can get a lot out of the right credit card. The U.S. Bank Business Edge Cash Rewards World Elite MasterCard offers you the chance to earn extra cash back on things you buy anyway, and provides an annual cash back bonus.

Read full review

As a business owner, you can get a lot out of the right credit card. The U.S. Bank Business Edge Cash Rewards World Elite MasterCard offers you the chance to earn extra cash back on things you buy anyway, and provides an annual cash back bonus.

Read full review

Less

HighYa

3% cash back on cell phones, gas and office supply stores

from HighYa

If you want a simple business credit card that gives you cash back, the U.S. Bank Business Edge is a great choice if you make big purchases on cell phone plans, gas and office supplies/furniture. We say this because each of those categories gets you the coveted 3x cash back rate.

Read full review

If you want a simple business credit card that gives you cash back, the U.S. Bank Business Edge is a great choice if you make big purchases on cell phone plans, gas and office supplies/furniture. We say this because each of those categories gets you the coveted 3x cash back rate.

Read full review

Less

User Reviews


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